The "n" in the credit report is the abbreviation of "normal", which means that the repayment of the user is normal, which means that the borrower has paid the due amount of the month on time. "*" indicates that there is no repayment history this month. 0 ID has not expired. When inquiring about personal credit information, cardholders should pay special attention to check whether they have records that have exceeded the repayment period but have not yet repaid. If you repay the loan on time every month, it is very helpful to provide a personal credit report before applying for a loan or credit card, because it shows that the user's credit status is good and the probability of overdue is small.
I. Credit reports are divided into personal credit reports and enterprise credit reports, which are personal credit information records released by the Credit Information Center of the People's Bank of China, and are used to inquire about the social credit of individuals or enterprises. Credit reports are divided into three categories, namely personal basic information, credit transaction information and other information. 2065438+May 2009, new personal credit information was officially released, and the length and fineness of credit information will be further improved. The new version of the credit report of the central bank's personal credit information system has been put into operation, and the "validity period" of overdue records is officially set at five years. The new credit report sets the starting point of overdue information as 65438+2009 10 month, and the previous bad repayment record has been deleted. Because the relevant departments have not clearly defined the restrictions on negative records, in the old personal credit report, overdue records will be displayed no matter how many years ago. The new credit report only shows the overdue records of consumers in the last five years. In the past, some people complained that they couldn't understand the personal credit report, because it was full of tables and numerical codes, and what each number meant had to refer to the notes to understand it. Now, the new version of the report has changed the presentation method based on tables and used more words to describe it. At a glance, the public will know which cards are overdue and which repayments are normal. At the same time, the new report also reserved a display area for information such as asset disposal and guarantor compensation.
Second, in the early days of the establishment of China's credit system, many people paid insufficient attention to personal credit, so credit card or loans overdue behavior appeared. Because banks and work units will refer to these credit records, long-term negative information has a serious impact on their lives and work. The launch of the new version of the central bank's credit report is equivalent to giving individual consumers who have not paid off their debts within the time limit an opportunity to turn over a new leaf, re-establish and accumulate personal credit records. It is reported that if there is negative information on the personal credit report, residents are likely to be affected when applying for credit cards and mortgages.
Third, what behaviors are likely to lead to the stain of personal credit? In addition to the most common credit card overdraft and personal mortgage repayment in loans overdue, some behaviors such as arrears of living expenses and guarantees may be included in the personal credit report. The report shows whether I owe taxes, civil judgments, enforcement, administrative penalties or telecommunications arrears. , which will be displayed in the report. This means that in the future, arrears in water, electricity, gas or fixed telephone charges, as well as providing guarantees to third parties, and third parties failing to repay on time will also be included in bad credit records.
I checked the credit information, and it's all 0 or n, what do you mean?
N on the credit report stands for "normal".
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What does n c 0 stand for in credit information
N in the personal credit report of the Credit Information Center of the People's Bank of China indicates that the borrower made normal repayment last month. In other words, n in the credit report indicates that the user's repayment is normal. C in the personal credit report stands for settlement, which means that the borrower has paid off all the loans and the loan balance is 0; The zero in the credit report indicates that the borrower has not made any repayment times in this loan, which also means that the repayment time has not yet arrived.
1. Credit report is divided into personal credit report and enterprise credit report, which is the record of personal credit center issued by the Credit Information Center of China People's Bank, and is used to query the social credit of individuals or enterprises. Credit reports are divided into three categories, namely personal basic information, credit transaction information and other information.
2. In the personal credit report, there are usually the following symbols:/——————— indicating that no account has been opened; * —— indicates that there is no repayment history this month, and the data with repayment period longer than this month are marked with this symbol, and the repayment frequency is irregular. * indicates that there is no repayment behavior this month; This symbol is also used to indicate that there is no repayment in the month of opening an account. N-normal (indicating that the borrower has repaid the current month's money in full and on time); 1- 1 ~ 30 days overdue; 2 —— It means that it is 3 1 ~ 60 days overdue; 3 —— 6 1 ~ 90 days overdue; 4 —— 9 1 ~ 120 days overdue; 5 —— means overdue 12 1 ~ 150 days; 6 —— means overdue 15 1 ~ 180 days; 7 —— It means that the overdue is more than 180 days; D—— repayment by the guarantor (indicating that the borrower's loan has been repaid by the guarantor, including timely repayment by the guarantor and partial repayment by the guarantor); Z—— Paying off debts with assets (means that the borrower repaid the loan by paying off debts with assets. Only refers to the part that pays off debts with assets); C- settlement (the borrower has paid off the loan in full, and the loan balance is 0. Including normal settlement, early settlement, debt settlement with assets, settlement on behalf of guarantor, etc. ); G-termination (any other form of account termination except settlement); # ——————— The repayment situation is unknown.
3. The credit information system of China People's Bank includes enterprise credit information basic database and personal credit information basic database. The main users of the central bank's credit information system are financial institutions, which are connected with the headquarters of financial institutions such as commercial banks through special lines, and extend the terminal to the business counters of credit personnel of branches of commercial banks through the intranet system of commercial banks. The information source of the credit information system is mainly financial institutions such as commercial banks, and the collected information includes basic information of enterprises and individuals, credit information such as loans and guarantees in financial institutions, and major financial indicators of enterprises.
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